DGs spending/debt/challenge diary - bring it on!

debrag

Finally First National / GE Money have contacted me and corrected my balance so I only owe £703 with them

Will hopefully be getting payplan to correnct my blanace on my account so that I am paying each creditor the correct % according to debt.

My DFW is now July 2011. Last year it was Feb 2012 then begining of Jan 08 it was Nov 2011 and now it's gone down again.

debrag

I have a new challenge - to get under £5k in debt so I can move back up to near Nottingham.

I had a slight melt down a few days ago and realised London does nothing for me anymore - I don't see shows that much and I don't really have any friends maybe 3 inc my OH. I've just gotten intouch with my 2 best mates from school and have spoken to them more in the last few days than I did others all last year.
My OH doesn't want to move with me though, he likes being alone and says he's more likely to be stabbed in Nottingham than London lol

So I am planning on spending:

INCOME = 1235

OUTGOINGS:
Rent - 376
Food - 50
Web - 5
Littlewoods - 15
Mum - 50
Mobile - 35
Travel - 50
Skating - 60
Total = 641

LEFT = 594

At present I'm throwing £300 on my debts leaving £294 which I am saving for tuition, emergencies etc and at the end of the year throwing whats left on my debts also.

I'd like to pay £6000 next year, this year around £5000 + what I've already paid.

This is all just on paper at moment as I haven't been able to save anything this year after my bank charges and holiday but thats all done with and I know I will be so much happier back near friends & family. My mum says I can move in with them will I'm looking for a place (rent) which would be okay for the short term. I may even go into full time study.